Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in California
09-30-2006 43.182 76.157
06-30-2006 42.518 70.367
03-31-2006 41.384 69.95
12-31-2005 42.633 74.917
09-30-2005 43.794 71.155
06-30-2005 43.963 70.343
03-31-2005 43.559 68.656
12-31-2004 49.429 71.614
09-30-2004 47.379 71.664
06-30-2004 49.125 72.622
03-31-2004 49.075 74.921
12-31-2003 48.404 78.394
09-30-2003 49.508 69.685
06-30-2003 49.647 70.304
03-31-2003 51.324 69.597
12-31-2002 55.724 70.571